Cultivating new credit relationships and growth opportunities must represent the credit union in a manner that reflects the culture and expands positive relationships with members and staff. From servicing controls to financial analysis to examination reporting, CU*BASE Gold delivers flexibility and creativity for processing in today’s lending environment.
Lending Features
Business-unit configuration
- Collateral codes
- Controlling service parameters
- Delinquency calculations
- Disbursement options
- General ledger interfaces
- Insurance options
- Insurance tracking
- IRS reporting
- Loan-underwriter approval limits
- Mortgage/construction-loan information
- Multiple interest calculations
- Multiple-account suffixes
- Online banking rate board
- Payment change options
- Purpose codes
- Rate inquiry
- Security codes
Lending Life Cycle
Create loans and disbursing funds
Credit reports
- Electronic loan checklist
- Electronic loan file
- Household enrollment
- Loan application processing
- Loan quoter
- Loan requests
- Member written applications
- Multiple credit bureau credit reports
Online archived applications
- Online household database
- Open-end loan contract
- Outstanding loans
- Print loan forms
- Risk-based pricing/lending
- Underwriting databases
- Verify loan-files

Mortgage & Escrow Processing
Analysis configuration
- Configure mortgage lending products
- Disbursement report
- Disbursing escrow payments
- Escrow analysis
- Escrow payee/type codes
- Escrow share configuration
- Mortgage payment matrix
Open escrow account/add payees
- Prepare loans for final payoff
- Preview (trial) / create (final) escrow analysis
- RESPA (Real Estate Settlement Procedures Act)
- Service 360-day-interest loans
- Tax, insurance, and PMI tracking
Investor Relations
Fannie Mae (upload to Surf)
- Freddie Mac (upload to MIDANET)
- History of mortgage lending and secondary market
- Investor reporting
- Payment processing
- Remitting
- Support investor process

Lending Operations
Application status inquiry
- Approvals and denial status
- Approve security
- Audit underwriter approvals
- Centralized lending tools
- Define credit union policy
- Denial options
- Denied database
- Disbursement options
- Household database impact
Identify potential servicing problems
- Interest-rate calculations
- Loan account inquiry analysis
- Loan activity analysis
- Member lifestyle loan matching
- Modify loan requests
- Payment history
- Payment matrix
- Payment options
Pledged shares
- Relationship lending
- Review reports
- Risk-based lending
- Secured shares
- Statistical analysis
- Underwriting codes
- Variable-rate loans
Open-End & Line-of-Credit Lending
Amortized calculations
- ATMs
- Audio response
- Checks
- Disbursement points
- Disclosure paperwork
- Estimated calculations
- Loan category options
- Open-end loan contracts
- Overdraft protection
Payment change timing
- Payment changes
- Promissory notes analysis
- Review dates
- Shared branch outlets
- Table calculations
- Teller line
- Zero balance disbursements

Bankruptcy Management & Online Collections
Automated delinquency freezes and releases
- Clear tiered services
- Configure collections system level
- Configure statement mail group
- Credit reporting codes
- Delinquent loans
- Freeze and place comment on member accounts
Member account management
- Negative balance shares
- Overline line-of-credit loans
- Remove ancillary services
- Track and monitor bankrupt accounts
- Track delinquency comments
- Troubled Debt Restructuring (TDR)
24/7 Lending Services
Configure loan delivery channels (i.e. retailer, lender on the road, automotive dealer)
- Configure loan policies
- Define approval matrix
- Develop lender decision model plan
- Establish risk-based pricing
- Monitor and view lending decisions
- Set minimum requirement filters
Real Estate Solutions
Analysis
- Configure investors and investor types
- Configure participation loan options
- Create electronic mortgage file
- Daily processing
- Document mortgage compliance
- Electronic delivery of mortgage disclosures
- Escrow processing
- General ledger entries
- Generate complete closing package
Loan fulfillment center
- Manage loan pipeline
- Maximize mortgage opportunities
- Monthly processing
- Mortgage servicing: secondary market and portfolio loans
- Online mortgage application and processing
- Payables
- Review sample settlement work file